Lubbock Auto Insurance from a Local Texas Independent Agency

We do the shopping, so you don’t have to.

From Loop 289 traffic to farm-to-market roads and the stretch of I-27 between Lubbock and Amarillo, West Texas drivers cover a lot of ground. Hettler Insurance Agency has helped Lubbock drivers protect their cars, trucks, SUVs, and teen drivers since 1992. As an independent agency, we compare auto insurance from 30+ top-rated carriers, including Nationwide, Progressive, GEICO, Dairyland, Liberty Mutual, and more.  So you get the right coverage at a fair price without calling a dozen companies yourself. “The best independent insurance agents don’t just find you a policy. They find you the right insurance policy and then make sure it stays right as your life changes.” — Ron Hettler, CIC (certified insurance counselor), Hettler Insurance Agency

Compare Lubbock Auto Quotes

Lubbock auto insurance: parents hand car keys to their college daughter near the Texas Tech Administration Building in Lubbock, Texas.

Don’t do insurance alone. Hettler speaks insurance-ese. Call(806) 798-7800

What Texas requires (and why the minimum is rarely enough)

Texas law requires at least 30/60/25 liability coverage: $30,000 for injuries per person, up to $60,000 per accident, and $25,000 for property damage, according to the Texas Department of Insurance. Every Texas policy also includes Personal Injury Protection (PIP), and insurers must offer Uninsured/Underinsured Motorist (UM/UIM) coverage. If you don’t want either, you must reject it in writing.

Here’s the plain-English truth: one serious accident with a newer pickup or a hospital stay can blow past state minimums fast. Anything above your limits can come out of your pocket. We help you choose limits that actually protect your family and your savings.

Auto coverage options we help Lubbock drivers compare

  • Liability: Pays for injuries and damage you cause to others.
  • Collision: Repairs your vehicle after an accident, regardless of fault.
  • Comprehensive: Covers hail, wind, fire, theft, vandalism, and hitting a deer on a country road.
  • Personal Injury Protection (PIP): Helps pay medical bills and lost wages for you and your passengers.
  • Uninsured/Underinsured Motorist (UM/UIM): Protects you when the other driver has little or no insurance.
  • Rental reimbursement and towing: Keeps you moving while your vehicle is in the shop.

We also insure motorcycles, ATVs, and side-by-sides, RVs, boats, and classic cars. Need more protection above your auto limits? Ask about a personal umbrella policy.

Hail, wind, and West Texas weather

Hail-covered pickup hood on Broadway in downtown Lubbock Texas as the driver checks storm damage under clearing skies. Lubbock auto insurance to cover Texas hail storms.

Lubbock drivers know the sound of hail on a windshield. Spring and summer storms can total a vehicle in minutes, and weather is one of the factors insurers use to set auto rates in Texas. Hail damage to your vehicle falls under comprehensive coverage, not liability. If you only carry the state minimum, your hail-damaged truck isn’t covered. We’ll walk you through comprehensive deductibles so you know exactly what you’d pay after a storm.

What affects your Lubbock auto insurance rate?

  • Your driving record and claims history
  • The vehicle you drive and how you use it (commute, farm, business)
  • Your ZIP code within Lubbock and local weather and theft patterns
  • Your coverage limits and deductibles
  • Drivers in your household, including teens and college students

Rates vary by individual driver, so the only reliable number is a real quote. That’s where comparing multiple carriers makes the biggest difference. Bundling your car with your Lubbock home insurance may also help you save.

Why Lubbock drivers choose Hettler Insurance Agency

  • Independent, so we work for you. We shop 30+ top-rated carriers on your behalf and compare coverage and price side by side. We do the shopping so you don’t have to. We work for YOU, not the big insurance carrier.
  • Owned by Certified Insurance Counselors. Ron Hettler & Meghan Harris, both CIC (Certified Insurance Counselors). Fewer than 2% of licensed insurance professionals in the U.S. have earned the CIC designation.
  • Family-owned in Lubbock since 1992. Our book of business traces back to Cornwall and Stevens, founded in 1882, so we bring more than a century of continuous history to every policy.
  • No service fees. We don’t charge extra for insurance cards, certificates, or agent service.
  • Trusted locally. A+ BBB rating and 4.5 stars on Google. Read what our clients say.

How it works: three simple steps

  1. Tell us what you need. Call (806) 798-7800, visit us at 4720 S Loop 289, or request a quote online.
  2. We shop and compare. We quote multiple carriers to the same coverage terms, so the price difference you see is real, not a coverage gap in disguise.
  3. We explain it in plain English. We speak insurance-ese and translate it for you. And, we’ll be there for you at renewal and at claim time.

Get a Lubbock auto insurance quote today

Whether you’re adding a teen driver, buying a new truck, or just tired of renewal surprises, our local team will compare your options and explain them in plain English.

Hettler Insurance Agency
4720 S Loop 289, Lubbock, TX 79414
(806) 798-7800

Get My Free Lubbock Quote

Don’t do insurance alone. Get Better. Get Hettler.

Frequently Asked Questions ?

Q1 ?: What are the minimum auto insurance requirements in Lubbock, Texas?

A1: Texas requires at least 30/60/25 liability coverage: $30,000 for injuries per person, up to $60,000 per accident, and $25,000 for property damage. Every Texas policy also includes Personal Injury Protection unless you reject it in writing, and insurers must offer Uninsured/Underinsured Motorist coverage.

Q2 ?: Does my auto insurance cover hail damage in Lubbock?

A2: Hail damage to your vehicle is covered under comprehensive coverage, not liability. If you carry only the Texas minimum liability coverage, hail damage to your own vehicle is not covered, so Lubbock drivers should consider comprehensive coverage and a deductible they can afford after a storm.

Q3 ?: Why should I use an independent agent for Lubbock auto insurance?

A3: An independent agent like Hettler Insurance Agency compares quotes from 30+ carriers to the same coverage terms, so you see real price differences without calling each company yourself. Our local CIC agents also help with claims and review your coverage at renewal.

Q4 ?: What affects my auto insurance rate in Lubbock?

A4: Your driving record, claims history, vehicle type, how you use the vehicle, your ZIP code, local weather and theft patterns, your coverage limits and deductibles, and the drivers in your household all affect your rate. Because rates vary by individual, a real quote is the only reliable number.

Q5 ?: Does Hettler Insurance Agency charge service fees?

A5: No. Hettler Insurance Agency does not charge extra for insurance cards, certificates, or agent service. Our agency is paid by the carrier you choose, so comparing quotes with us costs you nothing.
Lubbock auto insurance: parents hand car keys to their college daughter near the Texas Tech Administration Building in Lubbock, Texas.

We Speak Insurance-ese!
– (We translate insurance into plain English.)

Auto Insurance for Cars, Trucks, SUV’s, and more!

Having the correct coverage and a responsive agent can help get you back on the road quickly if your vehicle is wrecked or damaged by accident, fire, theft, or other covered event. Your policy can also provide protection against medical and legal expenses resulting from injury, loss of life, or property damage caused by an accident involving your vehicle.

An auto insurance policy is a contract between you and an insurance company. You pay a premium, and in exchange, the insurance company promises to pay for specific car/truck/SUV/motorcycle-related financial losses during the term of the policy. Work with Hettler Insurance Agency to determine the best coverage for you.

Compare Quotes from Multiple Carriers!

Auto Insurance To Keep You On The Road | Lubbock Insurance | Hettler Insurance Agency, Lubbock Texas

How Much Auto Insurance is Needed in Texas?

Based in Lubbock, our team understands the insurance needs of our customers. There are state minimum requirements, and then there are policies that adequately protect your personal vehicle, family and other drivers.

Texas requires drivers to pay for accidents they cause, and can include:

  • Liability coverage – to pay for losses you cause others, or:
  • No-fault coverage – to pay you and your passengers for medical and related expenses caused by injuries from a car accident, regardless of who is at fault, or
  • Both liability and no-fault coverage.
Auto Insurance To Keep You On The Road | Lubbock Insurance | Hettler Insurance Agency, Lubbock Texas

Texas drivers must, by law, be able to pay for losses they cause others. Having insurance is the simplest way for most people to pay for the risk of an accident. To finance or lease a car, it is usually necessary to have insurance which covers damage to your vehicle. There are two main policy options:

  • Collision Insurance: Standard collision coverage will pay for any repairs up to the fair market value of your car. Collision coverage usually also comes with an insurance deductible. It’s the amount of money you pay toward repairs before your collision insurance kicks in. The higher the deductible you’re willing to pay, the less the collision coverage will cost.
  • Comprehensive Insurance (Other than Collision): Vandalism, flood, hurricane, theft, windshield damage and fire are all events usually covered by comprehensive automobile insurance. Like collision, comprehensive will pay up to the fair market value of your car (less your insurance deductible.) And although it’s not legally required by any state, you will probably need it if your car is financed.

There is a good chance we cover what you ride. HIA insures a full spectrum of motorcycles from street cycles, Harley Davidson, Hondas, Yamaha, and Kawasaki, cruisers, and touring bikes to dirt bikes and ATVs, considered motorsport insurance.

Credits and Discounts on Motorcycle Insurance

Multi-policy, HOG membership, renewal discounts. Yep, we have discounts! Through a series of questions, Hettler Insurance Agency will be able to help calculate how much money you can save. Oh and don’t forget to tell us if you have taken a safe rider course sponsored by the Motorcycle Safety Foundation.
Read on to learn more about insurance options available:

  • Custom parts and equipment: It’s possible to own a bike without custom equipment. But generally, you will need coverage for those shiny pieces.
  • Roadside assistance: Yep, you can purchase roadside assistance!
  • Liability coverage: You can pick the motorcycle liability limits that fit your needs. This coverage protects you from liability arising out an accident. It covers damage to property and injuries to people. Check with our team to find out the cost for buying various limits of liability.
  • Medical coverage: This coverage provides for certain necessary medical expenses for you and any passenger that are the result of an accident.
  • Uninsured/Underinsured Motorist Coverage: This coverage typically pays for expenses associated with injury or death from an accident caused by an uninsured, underinsured, or a hit-and-run driver.

It takes more than age to make it a classic. A collector car isn’t just a way to get around. It’s an investment that will continue to appreciate in the coming years.

Do you need insurance for your prized Mustang, Camaro, Charger, Corvette, Thunderbird, or other collector car? Hettler works with several different carriers that cover Classic Cars. Our team of agents can work with you to select the appropriate policy to accommodate coverage needs, miles driven, vehicle age, and vehicle modifications to make sure you have the best policy to meet your needs. Here are some features you should look for when shopping for classic car insurance:

  • Agreed Value: This means the provider will pay you the full (agreed to) amount in the event of a covered total loss, less any applicable deductible. This type of coverage is much better than “actual cash value” or “stated value” that you may get with some companies.
  • Low Mileage Rates: You’re proud of your collector car, so drive it. Not all insurance companies have a mileage limit, but most collector cars should be driven less than 10,000 annual miles to maintain their value.
  • Roadside Assistance: Whether you’re down the street or on a classic rally to New Mexico, you’ll want to find coverage that will flatbed your car to the closest qualified repair facility.

Choose Your Insurance Type!

Vehicle Insurance

Insurance protection for the vehicles that matter most to you.

– Auto Insurance – We insure thousands of cars, trucks, vans, and commercial vehicles used in all types of businesses.
– Motorcycle Insurance – Start your Motorcycle riding experience with insurance through Hettler.
– ATV and Motorsport Insurance – Does it have a key? Is it a dirt bike? We have a program to cover it.
– Classic Car Insurance – Classics and antique vehicles require special coverages. We represent a couple of different carriers to cover them.
– RV and Mobile Home Insurance – Big values traveling down the road? No problem. We handle the big risks all the time.
– Boat and Watercraft Insurance – We cover boats of all sizes.

Property Insurance

Insurance protection for the property that matters most to you.

– Homeowners Insurance – Your home is your castle. Protect your most valuable asset with quality coverage.
– Condo Insurance – Condos are a little different. Call us to get your specialized coverage!
– Renters Insurance – Fires in apartments and rental homes are way too common. Renter’s coverage is really reasonably priced.
– Landlord Protection ™ – Renting your home? Protect yourself with landlord insurance.
– Flood Insurance – You have to have a separate policy to cover flood… It can happen even here in the desert.
– Storm & Hail Insurance – Texas has had thirty-six $100,000,000 or larger disasters from severe storms in the past 25 years and more than 80% of the time, hail was to blame for the damage.
– Earthquake Insurance – Earthquakes have occurred in 39 states since 1900, and about 90% of Americans live in areas considered seismically active. Most home insurance policies do not cover earthquake damage. Good news, earthquake insurance can be inexpensive.

Commercial & Business Insurance

Coverage that helps protect your business

– Business Owners Policy (BOP) – Lubbock County is in the top 10 for commercial property damage due to wind, hail and dust storms; and the top 10 for commercial auto comprehensive claims due to weather; and the top 10 for lightning storm damage.
– General Liability Insurance (GL) – Insurance coverage for when you or your products hurt someone or damage property.
– Commercial Property Insurance – Coverage against Fire, Wind, Hail, and many other perils.
– Business Auto Insurance – Cover your business with insurance for commercial and business vehicles.
– Commercial Liability Insurance – also known as “general liability insurance” is a broad policy that covers a number of liability exposures of a business. Business liability insurance is often the first line of defense against lawsuits from customers, allowing an owner to protect both personal and business assets.
– Commercial Umbrella Insurance – Insurance coverage that gives an extra layer of liability protection from the rising costs of lawsuits.
– Workers’ Compensation Insurance (workers comp) – Medical bills and lost income Insurance coverage that helps you take care of injured employees.
– Cyber Security Insurance – In an era of leaked embarrassing online photos, confidential emails and digitally internet connected employees and customers, it’s no wonder businesses (of all sizes) are rushing to cover themselves with cyber liability insurance.
– Surety Bonds – Get your notary bond, your contractor’s bond, your bid bond, or your performance bond from Hettler Insurance Agency.
– Contractor’s Insurance – Many contractors operate out of the home and may not require commercial property insurance. Instead, contractors typically perform work at the customer’s location. This can be a residential home, a construction site or a commercial property.
– Builder’s Insurance – With a good Builder’s Risk policy, the structure, materials and equipment are protected from theft, vandalism and weather damage during the construction phase.

Life/Health Insurance

Insurance protection for your family’s health.

– Health Insurance – Insurance for you, your family, and your pocketbook. Uncovered medical costs can bankrupt you.
– Personal Umbrella Insurance – An umbrella policy provides additional layers of liability protection. If the liability limits are exhausted on your home, auto, or other underlying insurance policy, your umbrella insurance policy takes over and provides you with additional protection. You may need this in case of a car wreck involving a fatality, etc. For a minimal cost, you can protect your assets, and your future earnings.
– Whole Life Insurance – Life insurance coverage designed to be there for your whole life.
– Term Life Insurance – Insurance protection to help keep your family secure for a specific period of time.